A to Z Insurance and Financial Services specializes in financial planning, wealth management and assisting your family's financial direction for the future. See how we can help you below and let one of our Financial Planning Associates set you up with a plan that fits your specific needs. Whether you're starting to plan your financial future for the first time or your closer to retirement, we have options that could immensely benefit you in keeping your financial future healthy and prosperous!

Types of Financial Services (All Free Consultations)

Debt and Tax Relief

IRAs

Equity Indexed Annuities

Mutual Funds

Fractional Life Settlements

First Position Mortgages

Variable Annuities

Universal Life Insurance

Indexed Life Insurance

Variable Life Insurance

Term Life Insurance

Whole Life Insurance

Disability Insurance

Long Term Care Insurance

Charitable Strategies

Trusts

529 College Savings Plans

Mutual Funds

Long Term Care Plans

401(k)s/403(b)s

Individual Stock and Bonds Through Separately Managed Accounts

Notary Services

Personal Book Keeping For Busy Individuals

For more questions or more information, contact our Financial Services Director by filling out our contact form. Please ask for financial services in the questions/comment section.

Cash Flow

When you create your financial strategy, it’s important to know how much money you have access to and how, if possible, you can increase that amount. This money is your cash flow and can help you accomplish many things, including reducing or eliminating debt and increasing your savings. Here are some strategies you can use to increase your cash flow:

Create a budget for your monthly expenses and needs – and stick to it

Spend less than you earn

Raise deductibles on your auto, homeowners and other insurance policies, which can help to lower premium

Look for ways to earn higher interest on money that is currently in low-interest savings accounts

Start a second career or a part-time business to earn additional income

Your A to Z Financial Planning Associate can help you evaluate your current cash flow and assist you in finding ways to increase it

Proper Protection

A big part of building a sound financial strategy is life insurance. Life insurance helps protect your loved ones in the event of your death. It not only helps replace lost income, but it can also help preserve your family’s assets. A basic rule of thumb is to have enough life insurance to provide approximately 10 times your annual family income. For example, if your current household income is $50,000, you may want to consider having $500,000 in life insurance protection. An A to Z Financial Planning Associate associate can evaluate of your financial situation to help you determine how much life insurance you need. Associates must be properly licensed and appointed to sell insurance- and securities-related products.

Debt Management

One of the biggest obstacles to a sound financial future is consumer debt. It’s important to have a strategy that can help reduce and eliminate debt. Here are some approaches you can take:

Pay more than the minimum, as much as possible within your budget, on the credit card/ loan with the highest interest rate. Once you pay off that credit card/loan, begin paying off the next highest interest rate credit card/loan.

Consider transferring credit card/loan balances to a card with a low interest rate that is offering a promotional, no fee transfer option. Don’t hesitate to call the issuers of all your credit cards to ask for a lower rate.

Quit charging. Put your credit cards away so you don’t consider charging on them while you’re paying down your debt or after it’s paid off.

There are many other things you can do to reduce debt. Work with your WFG associate to find strategies that you can work for you.

Emergency Fund

No matter how much you plan in life, the unexpected happens. To prepare for life’s little “disasters,” set up an emergency fund to help pay for any resulting expenses. A basic rule of thumb for determining how much you should set aside is three- to six-months of your total expenses. Don’t think you need an emergency fund? Consider these potential expenses and scenarios:

Major car repairs

Major home repairs

Major appliance repairs or replacement

Loss of a job

Serious illness or hospitalization

Extended elder care or long-term care

Having an extra source of funds gives your family peace of mind during a stressful time.

Build Wealth

When developing your financial strategy, it’s important to ensure you put a long-term asset accumulation program in place that strives to outpace inflation and reduce taxation. When determining the best program for you, ask yourself the following questions:

How long do I expect live?

How much it will cost to live comfortably during those years?

There are key financial concepts that can help you as address these questions.

Preserve Wealth

An essential part of your financial strategy is ensuring that the wealth you accumulated over the years is not impacted by taxes or other unintended consequences. A well-designed strategy can:

We understand that running a business is hard and time-consuming, the last worry you need is researching the information and requirements in insuring your business. With A to Z Insurance, one of our expert agents will find the best-suited policies for all of your business needs.

A to Z Small Business Solutions

As a small business owner, you provide needs and solutions to benefit your employees. We can help you offer a variety of products and service to help meet your needs. Here is a list of some the solutions A to Z Insurance has to offer:

Business Setup: Sole Proprietorship, LLC, S-Corporation, etc.

EIN # Set up / Federal Employer Identification Number Set Up

Fidelity Bonds

Business License Set Up

401(k)s

Profit Sharing Plans

Pension Plans

SEPs and Simple IRAs

Sole Proprietor 401(k)s

403(b) Plans

457 Plans

Notary Services

Small Business Book Keeping

Income Tax Services

HOW DO I START WITH A TO Z INSURANCE FINANCIAL SERVICES?

Getting insured by one of the experts at A to Z Insurance is easy! We sell insurance at our local offices, online here and over the phone at 1-888-721-2511. Feel free to contact us via the contact section of our website and we will respond as fast as possible. Just want a quote? Click to apply below.